At least one primary adult applicant must identify as an artist with an active and ongoing artistic practice.

You’ll tell us more about your practice through the AST Artist Profile as part of the full application.

AST does not judge your work based on its quality, quantity, or commercial success—we are looking to confirm that you have an active and ongoing creative practice.

Your household’s total income must be at or below 80% of the Area Median Income (AMI) for San Francisco county for your household size.

The income limit changes depending on how many people will live in the home:

2 people- $134,500
3 people- $151,300
4 people- $168,100
5 people- $181,550
6 people- $195,000
7 people- $208,450

For more information about what income needs to be reported, see the Application Guide or the AST First Time Homebuyer Down Payment Assistance Program Guidelines

These income limits are taken from the 2026 HCD AMI Limits (Click here)

Celadon House is a three-bedroom home and requires a household of at least two people to be considered as eligible.

The maximum household size considered will be seven people.

Everyone who will live in the home must be included in your application. Children and other dependents should be listed according to how they are claimed on your federal income taxes.

Applicants must meet the program’s definition of a first-time homebuyer. In general, this means you have not owned your primary residence during the past three years.

For specific exceptions, refer to the AST First Time Homebuyer Down Payment Assistance Program Guidelines

Applicants invited to apply must attend a virtual AST Celadon House Info Session to learn about AST, Community Land Trust homeownership, and what it means to purchase an AST home.

Applicants must attend a Celadon House Open House to see the home in person and learn more about the property before moving forward with their application.

If you are selected through the lottery as the purchaser and were unable to attend an open house during the application period, a private showing will be arranged for you.

All adult homebuyers in a household must present their certificates of completion for an 8-hour HUD-certified Homebuyer Education Course.

The course covers important home buying basics like budgeting, credit, mortgages, and preparing for homeownership.

You must have completed this certification within the last 2 calendar years. If your certification was received prior to that, you will be required to retake the course.

Buyers must contribute at least 3% of the purchase price (Approximately $15,000) toward the home purchase.

Gift funds from family, friends, or other eligible sources may be used to help meet this requirement.

• If you will be receiving funds as a gift, you must submit a Gift Letter with your application. See applicant resources for the template.

Additional down payment assistance (DPA) of up to $100,000 may also be available through AST to eligible buyers.

If you have questions or concerns about meeting this requirement, please contact AST staff by emailing [email protected].

This includes:

• No min credit score

• Borrowers must be citizens or permanent residents

• No judgements, late payments, collections, or bankruptcies in the last 2 years

• Documented employment for 2 years in the same field (including self-employment)

• Have a Debt-to-Income Ratio under 43%

Habitat for Humanity Greater San Francisco is the only currently-approved mortgage lender for this property.